贫困型农户信贷需求与信贷行为实证研究

发布时间：2018-03-04 14:31

本文选题：贫困型农户　切入点：信贷需求　出处：《金融研究》2011年05期 　论文类型：期刊论文

【摘要】：本文利用判断抽样方法,定点选取了全国15个省份较贫困地区的1156户暂时性贫困型农户为对象,对贫困型农户信贷需求和信贷行为进行了调查分析,在此基础上,运用Probit模型,实证检验了贫困型农户信贷需求、正规和非正规借贷行为的影响因素。调查发现:绝大多数贫困型农户都有信贷需求,且以中短期小额需求为主,但实际发生借贷行为的贫困型农户较少,从正规金融机构获得过贷款的贫困型农户更少,金融需求满足率极低。实证结果表明:家庭耕地面积、年人均收入水平、固定资产价值、农业生产支出占比、教育支出占比对贫困型农户信贷需求具有显著影响。在众多可能的因素中,只有家庭耕地面积、农业生产支出占比对贫困型农户的正规信贷选择产生了重要影响。而家庭耕地面积、固定资产价值、农业生产支出占比是影响贫困型农户非正规借贷行为的重要因素。
[Abstract]:By using the method of judgment sampling, this paper selects 1156 temporary poor peasant households in 15 provinces of China as the object, and makes an investigation and analysis on the credit demand and behavior of the poor farmers. On this basis, the Probit model is used to analyze the credit demand and behavior of the poor farmers. The paper empirically tests the influencing factors of poor farmers' credit demand, formal and informal lending behavior. The survey shows that most of the poor farmers have credit demand, and small demand is the main demand in the short and medium term. However, the number of poor farmers who actually borrow money is less, the number of poor farmers who have obtained loans from formal financial institutions is even less, and the rate of financial demand satisfaction is very low. The empirical results show that: the area of household cultivated land, the level of annual per capita income, The value of fixed assets, the proportion of expenditure on agricultural production and the proportion of expenditure on education have a significant impact on the credit demand of poor farmers. The proportion of agricultural production expenditure has an important influence on the formal credit choice of poor farmers, and the area of household cultivated land, the value of fixed assets and the proportion of agricultural production expenditure are the important factors that affect the informal lending behavior of poor farmers.
【作者单位】：西南大学经济管理学院;
【基金】：教育部人文社科基金项目“贫困型农户融资困境与扶贫信贷创新研究”(09YJC790223) 重庆市社科基金项目“重庆市贫困型农户融资困境与扶贫信贷创新研究”(2009JJ09) 西南大学中央高校基本科研业务费专项资金项目“二元经济结构下统筹城乡金融协调发展研究”(SWU1009002) 国家自然科学基金项目“农村金融可持续发展的服务创新与风险控制”(70973100)资助
【分类号】：F832.4

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